What If My Property Is Damaged Due to No Fault of My Own?
You may have worked hard to properly maintain your property and keep it clear of potential safety hazards. So it is disappointing when you still incur property damage due to the fault of your neighbor and their property. You should not be held liable for paying for these damages; rather, you should look to your neighbor for financial assistance. Continue reading to learn what to do if your property is damaged due to no fault of your own and how one of the experienced New York third party claim attorneys at Craig Blumberg can help you recuperate your damages.
How might my property be damaged due to no fault of my own?
An issue that is present on your neighbor’s property may very easily turn into your problem, as well. That said, your property may be damaged due to no fault of your own in the following ways:
- Your neighbor’s property has a fire that is spreading onto your property.
- Your neighbor’s property has a broken pipe and water is running off onto your property.
- Your neighbor’s property has a falling tree that lands on your property.
- Your neighbor has a negligent child that vandalizes your property.
How do I ask another party to cover my damages?
Unfortunately, your insurance company may not cover property damages that originated from your neighbor’s property. So, even if the damage was not done intentionally, you may have to ask your neighbor to help you recuperate your damages. This may be done civilly by sending them a registered letter. Within your registered letter, you should include the following content:
- A detailed explanation as to how your property got damaged due to their property (i.e., fire, flooding, falling objects, vandalism, etc).
- A detailed explanation as to what you require financial compensation for (i.e., you need to hire a professional to repair your damages).
- A statement as to how much the repair of your damages is going to cost (i.e., quotes).
- A statement as to how you wish to receive this financial compensation (i.e., check, online transfer, etc).
- Attachments of supplemental documentation of your damaged property (i.e., photos, quotes, etc).
It is reasonable to give your neighbor at least 14 days to respond to your registered letter. If they fail to do so, or if they fail to comply, then you may have to turn to legal action. That is, you may have to file a third party claim against them.
In the end, you must take the initiative and reach out to one of the skilled New York third party claim attorneys. Our team at Craig Blumberg will be happy to serve you.